Updated
Money Basics · banking
The $1,200 checking-bonus stack: 4 banks, one clean spreadsheet.
We opened each account ourselves. Here's the exact order, the direct-deposit math, and the two banks you should NOT stack back-to-back.
10 min readRead →
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Top HYSA · today
4.85% APY
SoFi Money — no min, no fees
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Featured · updated weekly
Best high-yield savings accounts right now — and why the top APY isn't always the right pick.
4.85% looks great until you hit a $2,500 minimum, a teaser-rate expiration, or a cashout delay you didn't see coming. We sort by APY, then filter for the stuff that actually matters.
- Best overall: SoFi Money — 4.85% APY, no minimum, no fees, same-day ACH.
- Best for big balances: Marcus by Goldman Sachs — 4.70% with no tier cap.
- Watch out: teaser rates that drop after 3 months — we flag every one.
SoFi
4.85%
No min · no fees
Marcus
4.70%
No tier cap
Your big-bank savings
0.01% · leaves ~$240/yr on the table
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Latest in Money Basics
Fresh guides from the team
New
Money Basics · credit cards
Flat-rate cashback vs. bonus categories — which actually earns more for you?
We modeled 12 spending profiles. For 7 of them, a boring flat-rate card beat every bonus-category card on the market.
11 min readRead →
Guide
Money Basics · loans & debt
Avalanche vs. snowball: which actually gets you out of debt faster?
On paper, avalanche saves more interest. In practice, half of readers who try it quit by month 4. Here's how to pick the one you'll finish.
9 min readRead →
This week's numbers
The rates that matter today
Savings and credit markets shift every week — here's the snapshot.
Top HYSA APY
4.85%
SoFi Money · no min
Credit card avg APR
24.62%
Fed H.15, April
4-wk T-bill yield
4.31%
State tax-free · treasury.gov
Personal loan avg
12.18%
Prime + 3.93 · Fed April
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